The best One World credit card is the American Airlines AAdvantage Aviator Red Credit Card because it gives a 60,000-mile bonus when you make a purchase in the first 90 days and pay the annual fee. On top of t…

The best family credit card is the American Express Blue Cash EveryDay Card because it offers 3% cash back on groceries (up to $6,000 spent per year, then 1%), 2% back at gas stations, and 2% back at departmen…

Your Bank of America credit card limit will be $500 or more with all but one BofA card. The BankAmericard Secured Card has a minimum credit limit of $300. A Bank of America credit cards limit could also be …

Current Chase Freedom promotions include a $150 bonus when you spend $500 in the first 3 months and 0% APRs for 15 months on new purchases and balance transfers. Chase Freedom also has a $0 annual fee, though …

The Chase Freedom foreign transaction fee is 3%. That means a 3% surcharge gets added to the total amount of any transaction processed in another country, whether the cardholder is traveling abroad or shopping online from a foreign merchant. Like Chase Freedom, the Chase Freedom Unlimited card has a 3% foreign transaction fee. But not all Chase cards charge 3% internationally. Two of the most popular Chase credit cards with no foreign transaction fees are the Sapphire Preferred and Sapphire Reserve travel rewards cards.

Here are the Chase Freedom foreign transaction fees and more:

Chase Freedom foreign transaction fee: 3%

Chase Freedom Unlimited foreign transaction fee: 3%

When the foreign transaction fee applies: On all transactions processed outside the U.S., either for point-of-sale or online purchases.

Despite the Chase Freedom foreign transaction fee, both the Freedom and the Freedom Unlimited cards provide plenty of value when used strictly for domestic transactions. Both offer a $150 bonus for spending $500 in purchases in the first 3 months. There’s also a 0% APR for 15 months on purchases and balance transfers.

Where the two cards differ is in their rewards structures. The Freedom offers 5% back on the first $1,500 spent per quarter in rotating spending categories. In the past, that has included gas, restaurants, Amazon.com purchases and more. The card also offers 1% cash back on all other purchases. The Freedom Unlimited card offers 1.5% cash back on all purchases.

The Capital One Platinum credit limit is $300 or more, depending on your creditworthiness. So as long as you’re approved for the card, you’re guaranteed at least a $300 spending limit. But if your credit score and income exceed what Capital One is looking for, you could definitely start off with a higher limit. For example, some users have reported starting with Capital One Platinum credit limits of $500-$1,500.

Keep in mind that you aren’t stuck with your starting Capital One Platinum credit limit forever. Capital One may increase your limit if you consistently make on-time payments. You can also request an increase yourself. Many users report their limits increasing over time.

Here’s what you need to know about Capital One Platinum credit limits:

You’re guaranteed a credit limit of at least $300 if you’re approved for Capital One Platinum.

Capital One Platinum only requires limited credit for approval. If you have good credit or a lot of income relative to your debt, you’ll likely start with a higher limit. Some users report getting $500-$1,500 initially.

Capital One will review your account for a possible credit limit increase after you make your first 5 monthly payments on time. You can help your chances by paying more than the minimum each month. Things that will hurt your odds include having already gotten an increase in the past six months, being past due on a different Capital One account or using very little of your credit line.

You can request a credit limit increase yourself by calling customer service at 1 (800) 227-4825 or by logging into your Capital One account and choosing “Request Credit Line Increase” from the “Services” tab. You’ll have to provide information about your income and employment for Capital One to make their decision.

So you’ll get $300+ from Capital One Platinum to start, and using your card responsibly will provide opportunities to increase your limit. But it’s best not to ask for an increase before five months of on-time payments, as you’ll probably be denied.

The Discover it Secured Card is the best secured credit card with no annual fee because it gives 1% to 2% cash back on purchases and has a $0 foreign transaction fee to go along with its $0 annual fee. Discover it Secured also matches 100% of the cash rewards a new cardholder earns the first year. And it reports to all 3 major credit bureaus each month.

There are some other worthwhile options, too. The Capital One Secured Mastercard is the best secured card with no annual fee and a low deposit (as low as $49). And motorcycle fans will benefit from the Harley-Davidson Secured Card’s rewards. Whichever no annual fee secured card you choose, you’ll have the opportunity to build your credit for free if you pay your bill in full every month, since your deposit is fully refundable. But it pays to compare offers.

There are several really good secured credit cards with no annual fee, and they’re available even to people whose credit is damaged. Some actually offer competitive rewards.

Any no annual fee secured credit card is an excellent way to start building up a positive payment history and rebuilding one’s credit score. Eventually, it will be easier to qualify for unsecured credit cards with better terms. But unsecured cards for people with poor credit almost always charge annual fees.

You can get your Walmart credit card login credentials by going to Walmart’s online account management page and clicking “Register.” You will need to enter your card number and zip code, then press “Continue.” From there, you will be asked to create a username and password for future Walmart credit card log-ins. The process is the same for both the Walmart Mastercard and the Walmart Store Card, which are both issued by Synchrony Bank.

Once you have your Walmart credit card sign in info, you can use it to access your account on Synchrony’s Walmart website or the Walmart mobile app.

The best travel credit card for students is the Bank of America Travel Rewards credit card for Students, thanks to its big initial bonus, extra points for travel, and lack of foreign transaction fees. It’s also easy for students to get because it’s designed with people who have limited credit in mind. The only downside is that it doesn’t come with travel insurance. But it’s also not your only choice when it comes to student travel credit cards.

Here are the best travel credit cards for students:

Bank of America Travel Rewards credit card for Students: No annual fee or foreign transaction fees. 20,000 bonus points when you spend $1,000 in the first 90 days. 3 points per $1 spent in the Bank of America Travel Center and 1.5 points per $1 on everything else. 10% extra points when you have a BofA checking account. 0% APR on purchases for 12 months. No blackout dates or restrictions on travel.

Journey Student Rewards from Capital One: No annual fee and no foreign transaction fees. Unlimited 1% cash back on all purchases, or 1.25% if you pay on time. Rental car insurance and travel accident insurance included.

Deserve Edu Mastercard for Students: No annual fee and no foreign transaction fees. Unlimited 1% cash back on all purchases. Up to $49 worth of free Amazon Prime Student. Doesn’t require a SSN for international students. Offers rental car insurance.

Discover it Chrome for Students: No annual fee and no foreign transaction fees. 2% cash back on the first $1,000 spent per quarter, 1% on everything else. $20 bonus cash back per year for a 3.0+ GPA. Rewards doubled at the end of the first year. Includes rental car insurance and travel accident insurance.

Any of these cards is a good option for a student travel credit card. You just have to decide whether you want to maximize rewards or other benefits.

Discover is accepted in 185 countries and territories internationally. That includes India, Israel, Jamaica, Japan, Puerto Rico, the United Arab Emirates and most other popular destinations for American business and vacation travelers. But just because a Discover card is accepted by at least some merchants in a given country does not mean you should rely on it exclusively. Even Discover classifies its acceptance as low in places like France, Russia and Spain. So you may want to bring a Visa or Mastercard along, too. Those two networks are accepted worldwide.

Here’s where Discover cards are most & least likely to be accepted internationally:

No Merchant Acceptance:Bolivia, Chile, Cuba, Iran, Pakistan, most of Africa and the Middle East

There are more countries in each of these groups. And you can check out Discover’s international acceptance map for a complete breakdown. But this list will give you a good idea of what to expect in the most popular international travel destinations.

If Discover is widely accepted in your international destination of choice, you should definitely consider getting a Discover card to bring with you. Discover credit cards are well-suited to the task in the sense that none of them charge foreign transaction fees. The Discover it Miles card is an especially good choice, giving you 1.5 miles per $1 spent and doubling the rewards you earn the first year, all without charging an annual fee.

If you compare Chase Sapphire Reserve vs Citi Prestige, Reserve brings home the win because of its 50,000-point bonus for spending $4,000 in the first 3 months and its 3 points per $1 on all travel and dining. In addition, Sapphire Reserve is the only one of the cards that is currently open to new applicants. Citi Prestige has been discontinued, although existing cardholders can still enjoy their benefits.

The cards are identical in some respects, like their $450 annual fee and excellent credit approval requirement. But Reserve really outshines Prestige in terms of perks, from its more valuable points to its bigger sign-up bonus and annual travel credit.

Citi Prestige vs. Chase Sapphire Reserve:

Availability: Chase Sapphire Reserve is open to new applicants. Citi Prestige is not.

Travel credit. Reserve comes with a $300 annual credit for any travel expenses. Prestige has a $250 air travel credit. Reserve wins with its versatility and higher amount.

Earning rate. Reserve offers 3 points per $1 spent on travel and dining and 1 on everything else. Prestige offers 3 points per $1 spent on air travel and hotels, 2 on dining and entertainment and 1 on everything else. While these rates may seem comparable, Reserve wins because each of its points is worth 1.5 cents toward travel or 1 cent in cash back. Prestige points are only worth 1.25 cents apiece in travel or 0.5 cents in cash back.

Lounge access. Both cards offer free membership in Priority Pass Select, which gets you into more than 1,000 lounges across the world. It’s a tie.

Application fee credit. Prestige reimburses your $100 application fee for Global Entry, which allows you to move through customs faster. Reserve offers the same credit, but also allows you to get a credit for TSA Pre-Check instead. Reserve wins.

Free hotel stay. When you book a hotel for at least 4 consecutive nights with Prestige via ThankYou.com or the Citi Prestige Concierge, the fourth night is free. Reserve doesn’t offer this benefit. Prestige wins.

While both cards do have some stellar benefits, especially when it comes to travel, Chase Sapphire Reserve takes more categories overall. Since both cards cost the same and have about the same approval requirements, Reserve is the better pick. And for the time being, the question of Citi Prestige vs. Chase Sapphire Reserve is made easy by the fact that only Reserve is open to new applicants.

The Amex Delta Platinum MQM offer is 5,000 Medallion Qualifying Miles (MQMs) for spending $1,000 in your first three months as a card member. Unlike regular frequent flyer miles, MQMs can’t be used to book travel. Instead, they go towards earning Medallion status. Medallion is Delta’s four-tiered loyalty program, whose benefits include extra miles on purchases, complimentary upgrades, and waived fees.

You can also get 10,000 MQMs for spending $25,000 in a calendar year, and another 10,000 for spending $50,000. All told, you can earn up to 25,000 MQMs during your first year and 20,000 in the following years.

That’s the MQM offer, but to earn Medallion status with your American Express card you also need Medallion Qualifying Segments and Medallion Qualifying Dollars. I’ll explain those below.

Here’s what you should know about the Amex Delta Platinum MQM offer:

In addition to Amex Delta Platinum’s bonuses, you can earn Medallion Qualifying Miles by flying Delta. If you fly First Class or Business Class, you’ll get 1 MQM per mile flown. For lower classes, you’ll get 0.5 MQMs per mile.

MQSs are Medallion Qualifying Segments. They reward you for flying frequently rather than for flying far.

MQDs are Medallion Qualifying Dollars. Medallion Qualifying Dollars are what you spend on Delta flights, aside from taxes.

You need 25,000 MQMs or 30 MQSs to reach the lowest Medallion status, Silver. You also need 3,000 MQDs to qualify for Medallion. That means spending at least $3,000 on Delta flights.

You can get the MQD requirement waived by spending $250,000 with your Delta Amex Platinum Card in a calendar year. However, just meeting the MQD requirement is by far the more cost-effective option for most people.

You earn Medallion status for the upcoming year, and your MQMs reset to zero at the end of each year. For example, if you earned Medallion status in 2018, you would enjoy the benefits in 2019.

Any MQMs between tiers that you have earned at the end of the year will roll over into the next year. This means that if you have earned enough miles to put you between tiers, they won’t be wasted.

The Amex Delta Platinum MQM offer lets you earn Medallion Qualifying Miles by spending with your Amex card. In the first year, you can combine the full 20,000 MQM spending bonus with the 5,000 MQM initial bonus. This will give you enough MQMs to meet the requirement with your Amex card alone. You’ll also need 3,000 MQDs, which you can earn by spending $3,000 on Delta flights. And after the first year, you’ll need to earn another 5,000 MQMs even if you max out the Delta Amex offer.

There are nine different Chase Sapphire Reserve airline partners. You can transfer points to their frequent flyer programs in increments of 1,000, at a rate of one mile per point. This can be a good option if you already have a lot of miles with a particular airline partner. The one caveat is that not all airlines’ miles have equal value. So some Chase Sapphire Reserve airlines will offer a better deal for your points than others.

Here are the Chase Sapphire Reserve airline partners:

AerLingus AirClub

British Airways Executive Club

Flying Blue AIR FRANCE KLM

Iberia Plus

JetBlue TrueBlue

Singapore Airlines

Southwest Rapid Rewards

United MileagePlus

Virgin Atlantic Flying Club

To transfer points to one of Chase Sapphire Reserve’s airline partners, log in to the Chase Ultimate Rewards site, click “Use Points” and select “Transfer to travel partners.” Then click on the loyalty program you want to use, enter your membership information and choose an amount to transfer. Lastly, double-check everything because all transfers are final.

In addition to those airline partners, Chase lets you transfer points to the loyalty programs of four different hotel chains. And of course, you’re not limited to buying flights from the official Chase Sapphire Reserve airline partners. You’ll earn 2 points for every dollar in airfare, on any airline, charged to your Reserve card. And your $300 annual travel credit can cover any type of airfare too.

These perks have a high dollar value but come with restrictions that you should be aware of.

Here are the biggest Barclaycard travel benefits:

No foreign transaction fee: Most travel-oriented Barclaycards don’t make you pay extra when you buy something outside the U.S. or from a merchant based in another country.

Auto rental insurance: When you charge a car rental to an eligible Barclaycard and decline the rental company’s insurance, you’re covered for theft or damage up to the cash value of the car. Coverage is for rentals of up to 15 days in your home country and 31 days abroad. It doesn’t apply in Israel, Jamaica, Ireland or Northern Ireland.

Travel Accident Insurance: You’re covered up to $250,000 for serious injury or death aboard commercial transport. You just have to charge the trip to your eligible Barclaycard. Coverage also applies to your spouse and dependent, unmarried children.

Baggage delayinsurance: If your Barclaycard offers this benefit, you can get reimbursed up to $100 per day, for up to three days per year, should your baggage get delayed. This benefit covers necessities like toiletries or clothing that you have to buy because you’re bag-less. You’ll have to show Chase proof of your purchases.

Trip interruption insurance: You’re covered up to $1,500 if you have to postpone or cancel a trip booked with an eligible Barclaycard for reasons you can’t control. Covered reasons include injury, disease and the death of a family member.

Other benefits: Aside from Arrival Plus, Barclaycard’s travel credit cards are all co-branded with specific airlines, cruise lines and resorts. Their benefits tend to focus on those companies. They include free checked bags, preferred boarding, and discounts on in-flight food and beverages.

The Barclaycard travel benefits cover you for mishaps large and small. And those perks are on top of Barclaycard travel rewards. For example, Barclaycard Arrival Plus gives you a 40,000-mile bonus for spending $3,000 in your first 90 days as a cardholder. Plus, you get 2x miles on all purchases and 5% of your miles back when you redeem them for travel.